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IFFCO Tokio General Insurance vs National Insurance Company: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricIFFCO Tokio General InsuranceNational Insurance CompanyPeriod
net commission ratio(size)17.6 %10.7 %Q1 FY26-27
engineering incurred claims ratio39.5 %48.6 %Q1 FY26-27
Corporate Agents – Others premium(size)1666 ₹ lakh943 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)50 INR_lakhs17 INR_lakhsQ1 FY26-27
housing & infrastructure(size)21.0 %16.8 %Q1 FY26-27
marine cargo segment premium(size)13828 ₹ lakh5029 ₹ lakhQ1 FY26-27
govt + approved securities(size)51.0 %41.7 %Q1 FY26-27
solvency ratio1.97 ×-1.22 ×Q1 FY26-27
motor tp combined ratio121.6 %165.4 %Q1 FY26-27
Common Service Centres (CSC) premium(size)361 ₹ lakh0 ₹ lakhQ1 FY26-27
liability incurred claims ratio86.6 %7.3 %Q1 FY26-27
gross direct premium to net worth ratio(size)51.00 ×-92.00 ×Q1 FY26-27
profit before tax(size)21 ₹ crore-496 ₹ croreQ1 FY26-27
marine hull combined ratio-183.9 %195.6 %Q1 FY26-27
debentures & bonds(size)318167 INR_lakhs422924 INR_lakhsQ1 FY26-27
motor TP segment premium(size)58853 ₹ lakh91131 ₹ lakhQ1 FY26-27
other segment premium(size)18825 ₹ lakh14971 ₹ lakhQ1 FY26-27
fire combined ratio74.5 %117.0 %Q1 FY26-27
central govt. securities(size)30.0 %21.2 %Q1 FY26-27
personal accident incurred claims ratio82.3 %60.1 %Q1 FY26-27
Corporate Agents – Banks premium(size)1633 ₹ lakh1179 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)-1 count15 countQ1 FY26-27
crop insurance segment premium(size)71 ₹ lakh1217 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)15610 count0 countQ1 FY26-27
Individual Agents policies(size)403281 count1329274 countQ1 FY26-27
motor od incurred claims ratio71.7 %103.3 %Q1 FY26-27
workmen's compensation incurred claims ratio84.7 %44.0 %Q1 FY26-27
MISP (Direct) premium(size)4332 ₹ lakh264 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %151.1 %Q1 FY26-27
gross yield (quarterly)1.77 %10.69 %Q1 FY26-27
health segment premium(size)25599 ₹ lakh149925 ₹ lakhQ1 FY26-27
equity & preference shares(size)466 INR_lakhs1314528 INR_lakhsQ1 FY26-27
crop combined ratio2074.4 %76.4 %Q1 FY26-27
mutual funds(size)20724 INR_lakhs117077 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)352 ₹ lakh231 ₹ lakhQ1 FY26-27
motor OD segment premium(size)59663 ₹ lakh43901 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
incurred claims ratio86.8 %98.9 %Q1 FY26-27
liability segment premium(size)2326 ₹ lakh7861 ₹ lakhQ1 FY26-27
health combined ratio121.6 %137.6 %Q1 FY26-27
MISP (Direct) policies(size)355111 count1896 countQ1 FY26-27
motor tp incurred claims ratio98.5 %124.7 %Q1 FY26-27
Brokers premium(size)128946 ₹ lakh172211 ₹ lakhQ1 FY26-27
motor od combined ratio130.3 %141.0 %Q1 FY26-27
operating profit ratio-2.6 %-12.8 %Q1 FY26-27
expense ratio to gross premium29.2 %31.8 %Q1 FY26-27
fire incurred claims ratio82.5 %77.0 %Q1 FY26-27
combined ratio121.2 %134.4 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)17618 ₹ lakh11084 ₹ lakhQ1 FY26-27
gross written premium(size)2230 ₹ crore16833 ₹ croreQ1 FY26-27 / FY25-03
aviation combined ratio0.0 %94.9 %Q1 FY26-27
Insurance Marketing Firm policies(size)2593 count825 countQ1 FY26-27
marine cargo incurred claims ratio87.1 %99.9 %Q1 FY26-27
Individual Agents premium(size)42681 ₹ lakh149079 ₹ lakhQ1 FY26-27
other investments(size)176186 INR_lakhs60405 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)66514 count4516 countQ1 FY26-27
underwriting balance ratio-20.7 %-36.0 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
required solvency margin(size)179508 ₹ lakh456132 ₹ lakhQ1 FY26-27
marine hull segment premium(size)555 ₹ lakh3347 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)188926 count156008 countQ1 FY26-27
net yield (quarterly)1.32 %7.06 %Q1 FY26-27
fire segment premium(size)28287 ₹ lakh47154 ₹ lakhQ1 FY26-27
aviation incurred claims ratio0.0 %63.1 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.2 %7.8 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
engineering segment premium(size)10440 ₹ lakh13903 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio102.1 %47.9 %Q1 FY26-27
marine cargo combined ratio111.4 %136.8 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio97.5 %105.3 %Q1 FY26-27
infrastructure & housing(size)397223 INR_lakhs255830 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)36040 count11710 countQ1 FY26-27
workmen's compensation segment premium(size)2001 ₹ lakh1526 ₹ lakhQ1 FY26-27
profit after tax(size)16 ₹ crore-496 ₹ croreQ1 FY26-27
technical reserves to premium ratio(size)9.1 %913.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh2043 ₹ lakhQ1 FY26-27
travel segment premium(size)61 ₹ lakh0 ₹ lakhQ1 FY26-27
net retention ratio(size)64.7 %85.1 %Q1 FY26-27
government securities(size)933317 INR_lakhs1219327 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio123.7 %90.3 %Q1 FY26-27
engineering combined ratio112.1 %89.1 %Q1 FY26-27
expense ratio34.4 %35.4 %Q1 FY26-27
personal accident segment premium(size)2475 ₹ lakh39683 ₹ lakhQ1 FY26-27
liability combined ratio121.0 %50.7 %Q1 FY26-27
personal accident combined ratio109.9 %86.1 %Q1 FY26-27
investment income ratio1.8 %9.8 %Q1 FY26-27
Brokers policies(size)848698 count1425107 countQ1 FY26-27
available solvency margin(size)353288 ₹ lakh-557749 ₹ lakhQ1 FY26-27
gross yield (annualized)7.23 %11.98 %Q4 FY25-26
net yield (annualized)5.41 %7.91 %Q4 FY25-26
other approved securities(size)1501 INR_lakhs929 INR_lakhsQ3 FY25-26
gross npa (amount)0 INR_lakhs21708 INR_lakhsQ3 FY25-26 / Q1 FY26-27
npa provision coverage0.0 %100.0 %Q3 FY25-26 / Q1 FY26-27
claims repudiation ratio3.06 %4.68 %FY24-25
claim settlement ratio82.0 %52.7 %FY24-25 / Q1 FY26-27
net earning ratio2.5 %-13.5 %Q2 FY24-25 / Q1 FY26-27
gross NPA ratio0.00 %0.75 %Q3 FY23-24 / Q1 FY26-27
debt to equity ratio0.00 ×-0.20 ×Q3 FY23-24 / Q1 FY26-27
earnings per share(size)5.79 ₹-0.53 ₹Q3 FY23-24 / Q1 FY26-27
book value per share(size)140.31 ₹-4.87 ₹Q3 FY23-24 / Q1 FY26-27
other incurred claims ratio67.5 %56.1 %Q3 FY22-23 / Q1 FY26-27
other combined ratio104.1 %98.6 %Q3 FY22-23 / Q1 FY26-27

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

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IFFCO Tokio General Insurance
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National Insurance Company
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